Struggling to pay your mortgage? Help is available.

If you are experiencing difficulty making your mortgage payments then we may be able to help you. There are many resources now available and all you have to do is ask. Please call us at (800) 242-2120 ext. 10270 to discuss your situation.

AVAILABLE OPTIONS

The right option for you depends on your individual circumstances. Based on the information you provide, we can determine if you qualify for temporary or long term relief, including the solutions defined below that may allow you to stay in your home:

  • Financial Counseling – In-house professional staff to assist you in reviewing spending patterns, developing budgets and exploring payment alternatives.
  • Forbearance – Make reduced mortgage payments or no mortgage payments for a specific period of time.
  • Note Modification – Receive modified terms on your mortgage to make it more affordable or manageable.
  • Refinance – Receive a new loan with lower interest rate or other favorable terms

CASE ESCALATION

If your mortgage loan is being reviewed for one of the Foreclosure Alternatives listed above, and you have questions or concerns, or wish your case to be reviewed again, please call (800) 242-2120 ext. 10615 to speak with Christopher Alfarano, VP/Chief Lending Officer. If he is unavailable, we will contact you in writing to acknowledge receipt of your inquiry in writing within three (3) business days. We will attempt to resolve your issue within 15 calendar days of receipt, but no later than 30 days of receipt of your inquiry.

Mortgages Articles

Visions Donates $100,000 to Habitat for Humanity

"The Big Give" 2021 Endwell, NY – Visions Federal Credit Union today announced a gift of $100,000 to ten Habitat for Humanity chapters in New Jersey, New York, and Pennsylvania. Each chapter will receive $10,000 as part of “The Big Give.” Giving back is a core part of Visions'…

Making Sense of Mortgages

Making Sense of Mortgages Closing costs, PMI, ARM, escrow…figuring out what makes up your mortgage can be complicated. With so many factors to consider, how do you make sense of it all? Well, you can start by breaking down some of the most common terms and considerations you'll…

When Should You Consider an Adjustable Rate Mortgage?

When Should You Consider an Adjustable Rate Mortgage? Looking for a lower-interest alternative to the traditional 15- or 30-year fixed rate mortgage? Consider an adjustable rate mortgage, like the popular 5/5 ARM, for any number of needs or situations. What's a 5/5 ARM? Well, th…

Referral Program

Get rewarded for sharing Visions with your friends and family.

Get $25 when they open an account!

Refer Now

Visions Federal Credit Union

Log in here with your Online Banking ID:



Online Enrollment

Forgot Password

Forgot User ID/Unlock Account

You are leaving the Visions Federal Credit Union web site. The privacy and security policies of the external link may differ from Visions Federal Credit Union. Visions Federal Credit Union does not own or control external links and is not responsible for the availability or accuracy of their content.

Continue